Take the Pledge It's time to put away your wallet and those credit cards—at least for a little while. Take Suze Orman's pledge and record your experiences in this workbook.

Wants vs. Needs Workbook What can you really live without? Use these workbook exercises to sort out your wants and your needs—and figure out how to save money on both.

Suze Orman's Debt Eliminator You can't pay off your credit cards until you know how much you owe. Use this calculator to get a personalized plan and start your journey to a debt-free life.

Suze Orman's Expense Sheet Do you know how much you're really spending each month? Keep track of your finances and see how you match up to the national average.

Suze Orman's Average Cost Basis Calcuator The stock market has decreased dramatically in recent months. Should you continue to invest? Use this calculator to see how much you have to gain—or lose—with your current investments.

Hourly Rate Calculator How many hours will you have to work to pay off that new outfit, dinner out or new car you've been eyeing? Use this calculator to figure out if you can really afford it.

Published 01/08/2009

Please note: This is general information and is not intended to be legal advice. You should consult with your own financial advisor before making any major financial decisions, including investments or changes to your portfolio, and a qualified legal professional before executing any legal documents or taking any legal action. Harpo Productions, Inc., OWN: Oprah Winfrey Network, Discovery Communications LLC and their affiliated companies and entities are not responsible for any losses, damages or claims that may result from your financial or legal decisions.